Use GitHub Copilot’s completions, chat, agents, and code review well, and pick the right plan
12 bite-sized sections
3 min read
Free, no signup
Short answer
A free GitHub Copilot guide as of October 2026: what Copilot does, the plans from Free to Enterprise, AI Credits and usage-based billing, code completions and next edit suggestions, Copilot Chat, agent mode in your editor, the cloud coding agent, third-party agents such as Claude and Codex, code review, Copilot CLI and the Copilot app, MCP, custom instructions, model choice, writing good tasks, and staying safe.
GitHub Copilot is GitHub’s AI coding assistant. It suggests code as you type, answers questions about your codebase, makes multi-file changes, reviews pull requests, and can work on issues by itself in the cloud.
Copilot writes code fast. You still own what gets merged.
02
Plans and prices
Free
Limited completions and chat, with automatic model selection
Pro
$10 a month, 1,500 AI Credits, cloud agent and code review
Pro+
$39 a month, 7,000 AI Credits, premium models including Claude Opus
Max
$100 a month, 20,000 AI Credits, priority model access
Business
$19 per seat a month, with admin controls
Enterprise
$39 per seat a month, needs GitHub Enterprise Cloud
Verified students get Copilot free. Check GitHub’s plans page for current details.
03
How AI Credits work
In 2026, Copilot moved to usage-based billing, with AI Credits worth one cent each. Code completions and next edit suggestions on paid plans do not use credits. Chat, agent mode, code review, and the CLI do, and bigger models use more.
04
Completions and next edits
Accept a suggestion with Tab
Write a clear comment or function name first to guide it
Next edit suggestions predict the change you will make next
Keep related files open so Copilot has context
05
Chat and agent mode
Ask Copilot Chat to explain code, find bugs, or write tests
Use agent mode for multi-file changes inside your editor
Review each change before accepting it
Add input validation to the signup form. Follow the patterns in the existing forms, add tests, and run them. Do not change the API.
06
The cloud coding agent
Assign a GitHub issue to Copilot
It works in a cloud environment and opens a pull request
Review the pull request like a teammate’s work
Comment on the pull request to ask for changes
07
Third-party agents
On paid plans, you can hand tasks to other coding agents, such as Claude and OpenAI Codex, from inside GitHub, and compare their results.
08
Code review
Request Copilot as a reviewer on a pull request
Use its comments as a first pass, not the final review
Keep a human reviewer for anything important
09
CLI, app, and MCP
Copilot CLI brings the agent to your terminal
The Copilot app lets you manage agent work in one place
MCP servers connect Copilot to tools and data outside GitHub
10
Custom instructions
Add a .github/copilot-instructions.md file to your repository with your coding standards, test commands, and rules. Copilot reads it for every request in that repository.
11
Choose the right model
Use fast, cheaper models for small edits and questions
Use premium models for hard bugs and big refactors
Watch your credit use in your billing settings
12
Stay safe
Never commit secrets; Copilot can suggest them from context
Run tests and security checks on AI code
Check licences when suggestions look copied
Set spending limits so agents do not run up costs
The golden rule
Do not merge Copilot’s code because it looks right. Give it clear tasks and good instructions, let it do the typing, and review and test every change like it came from a new teammate.
Plans
AI Credits
Completions
Agent mode
Cloud agent
Code review
Instructions
Add a copilot-instructions.md file to one repository today and assign Copilot one small issue.
It has 12 sections, starting with “What GitHub Copilot does”, “Plans and prices”, “How AI Credits work” and “Completions and next edits”, plus 8 more sections.
How long does it take to read?
About 3 minutes. Every section is a short, self-contained card, so you can jump straight to the part you need.
Is this guide free?
Yes. The full guide is free to read on this page, with no sign-up.
For research and ideas only. Results vary and nothing here is a promise of income. See our Disclaimer.
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